Property and Casualty
Product Review

HELPFUL HINTS AND
FREQUENTLY ASKED QUESTIONS

I want to make a
rate/rule filing with
the Office of Insurance
Regulation. What do I
do first?

The best place to start
would be a thorough
read-through of the Florida
Statutes and Administrative
Rules that refer to your
particular line of
insurance. Please choose the
title "Frequently Referenced
Statutes" or "Frequently
Referenced Rules" on the
page appropriate to your
line of insurance.

Another good place to go
is the filing checklist
provided by
I-File; it takes you step-by-step through the requirements for making
a filing.

Can an insurer make
"File and Use", "Use and
File" and/or "Prior
Approval" filings? The
filing laws vary
depending upon the line
of business, the type of
filing (form, rule or
rate) and the effective
date of the filing. Form
filings are generally
governed under
627.410, FS and are
strictly prior approval.
Workers' Compensation
rate and rule filings
are governed by
627.091, FS and are
strictly prior approval.
Private Passenger
Automobile rate and rule
filings are governed by
627.062 and
627.0651, FS and may
either be "Use and File"
or "File and Use". All
other property and
casualty rate and rule
filings are governed by
627.062, FS and may
either be "Use and File"
or "File and Use".
Insurers making rate
filings should review
these statutes to
determine which filing
method is best for them.

Where do I send my
rate/rule filing once it is
complete?

If you are submitting a
filing please click this
link
I-File (Industry Portal)
and submit your filing
electronically.

If you send any other
type of correspondence to
the Office, please use our
street address: